Qollateral review: loans against graded cards
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Qollateral lends against collectors nationwide (nyc office).
Terms at a glance
| Rate | 2.9% per month (includes storage, insurance, ticket fees) = 34.8% APR when borrowing up to 20% of liquid wholesale value source |
|---|---|
| Loan-to-value | FAQ: usually 40–60% of verified secondary-market value. The 34.8% APR disclosure applies to loans up to 20% of liquid wholesale value source |
| Min / max loan | not published / not published source |
| Term | Up to 120 days (4 months) source |
| Fees | Included in the 2.9%/month; no prepayment penalty source |
| If you don't repay | Non-recourse: no credit check or personal guarantee. Exact forfeiture terms not published source |
| Who it's for | Collectors nationwide (NYC office) |
| Eligibility | PSA, BGS, CGC, SGC graded cards; also sealed TCG product. Licensed by NYC Dept. of Consumer Affairs (DCA #2108815/#2108816) |
| Crypto | No |
| Checked | 2026-10-17 |
Pros
- Accepts CGC and sealed product
- Non-recourse
- Published all-in monthly rate
Cons
- Short max term (120 days)
- LTV statements conflict (40–60% vs. 20% in rate disclosure)
- Min/max loan not published
Sources: qollateral.com/luxury-collateral-loans/rare-collectibles/trading-cards/tcg-loans/ · qollateral.com/luxury-collateral-loans/rare-collectibles/trading-cards/
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